Here's my last year.... Jan 7th, I got hired. Jan 8th, found out we were pregnant. We had a kid, bought a house, bought a car, and I got a promotion. Sounds great right... not entirely Bought the house, 5 days in, well pump starts going...2 mths later it gives out entirely when baby was 5 days old. High electric bills result for 2 months.... Back up a bit, 8 mths pregnant, wife wrecks the car. Get it fixed. Kid was born, I missed the birth. One month later, kid is sick in the hospital overnight. (more bills) Well pump develops leak at joint....electric skyrockets again. Dec 21st, Wife totals car (yes, the one we fixed just 6 months prior) Jan 5th, 2012 Wife loses her job of $16/hr. I know, there's a lot that could go wrong yet, and I'm prepared for that...such as losing the house, etc. There's so much more that could go right, and I'm unprepared for that. So Please, say a prayer, cause I could use a few. and if you have no pity, :nopity: , well, i'm ok with that. thanks for reading my rant.
Been there, done that, and it took over 5 years to recover. However you have a new offspring (Congratulations) and it looks like your wife did not get hurt! Those other things are only materials and can be replaced! May opportunity knock and your family answer in this new year!
My grandmother used to say "Where's there's life, there's hope" which sounds a little trite given your story, but she lived through two world wars and the great depression so it has at least some credibility. I'm not trying to BS ya, but when things really seem to suck sometimes I find it helps to focus on the things that don't suck so much, like continuing to convert oxygen to carbon dioxide which, all things considered, is a pretty good start. Peace!
I definitely agree with Gomer ... concentrate on the positive things, appreciate the good all that much more. If nothing else, consider it a positive thing that you all have -survived- so far. Survival, itself, is a great accomplishment! Will be sending prayers and positive thoughts your way ... hang in there!
It's tough out there! Many of us have been or still in those trying times. There are good days and bad days, but you are not alone. I used to have Jesus Calling by 33 miles on repeat during the day to remind myself that everything was going to be all right. Hopefully you have a support network in place. If not feel free to reach out.
i have the same bad luck with repairs, things breaking down, needing dental work,losing jobs etc. my granddaughter was diagnosed with an unoperable brain tumor in the stem and it makes all those other problems seem small
We don't have the promise of an easy life with no troubles, but you can have the assurance that you don't have to face life alone. If He brings you to it, He will bring you through it. Being thankful for the wonderful parts of your life is a good start to handling the ordinary and horrific trials, which we all face at some point. Siamese, my heart breaks for you and your family and I will send a prayer up for you all. :grouphug:
Thanks ya'll. We are thankful for all the Blessings He has bestowed upon us....friends, family, church family, the lil guy.... Most of my rant was basically just I take one step forward, and get two steps pushed back....everytime. We just can't seem to catch a break long enough to let us break even. We owe medical bills, personal loans to family, loans against my 401 K, it's just where does it end? Considering Bankruptcy, but not sure how it will affect my wifes credit if just I file. Cause we need one of us to be able to secure a loan for a car should she get a job. We're gonna talk to a lawyer next week sometime (we hope, if not then, the week after that) to see what our options are. Just praying for His guidance and His meaning to come shining thru as to why all this bad stuff is happening at one time. we had a run of good fortune and then it abruptly turned sour, and continues on that trend. I need a beer....sadly, I don't have the cash to spend on frivolous stuff (and we only have the internet so we can pay bills and keep up to date with family, and now, look for jobs!)
She has primarily been working in the Accounts Receivable area, but is familiar with Accounts Payable. She also wouldn't mind an admin job, or receptionist/admin job. Looking to try to stay close to 40/42 (since Raleigh has traffic which tend to lead her into accidents) I'm sure i'll find her resume around here somewhere after I post this. Found it.... At least the skills portion Any leads can be e-mailed to nikkinicksich@gmail.com SKILLS PROFILE ● Strong computer skills; Experience with Microsoft Office Suite, Quicken, Anzio, and Oracle software programs. ● Ability to multi-task; flexible; detail oriented; great filing and organization skills. ● Experience in handling confidential paperwork. ● Admirable customer-relations background. EXPERIENCE Credit Analyst/Collections Specialist June 2010 - January 2012 General Parts Inc./CARQUEST Auto Parts Raleigh, North Carolina ● Credit Analyst ■ Run Aging Reports on Bi-Monthly basis to determine accounts past due in assigned portfolios and place calls accordingly ■ Monthly place past due accounts on credit hold until paid current ■ Daily check faxes for Customer Maintenance forms, Journal requests, and Deferred Invoice terms and resolve accordingly. ■ Determine eligibility of requested New Customer Accounts for cash or charge accounts and notify store of decision ■ Work with stores and customers to resolve past due accounts disputes in a timely manner ● Collections Specialist ■ Daily calls to delinquent accounts to collect on past due ■ Handle incoming calls rolled over from Customer Support and Credit as needed ■ Generate Heat Tickets to appropriate department to resolve if unable to complete First Call Resolution ■ Follow-up on customer promise to pay and any disputed issues in order to assure resolution and payment of account Accounts Receivable Processor/Claims File Clerk (temp postition) January 2009 - June 2010 CARQUEST Auto Parts thru Robert Half/Accountemps, Inc. Raleigh, North Carolina ■ Claims File Clerk ■ Sort incoming Store Labor and Warranty Claims by Store and Distribution Center ■ Input approved Claims Credits into Oracle database and wash with corresponding invoices ■ Receive and resolve incoming calls from store locations regarding status of claims submitted ● Accounts Receivable Processor ■ Posting of all JV-Store payments transmitted from previous business day quickly and accurately as per faxed remittances and application notes ■ Wash batches on a monthly basis of all return credits against corresponding invoices ■ Receive and resolve all incoming calls from JV Store locations and/or customers regarding posting of payments to account Accounting Clerk May 2007 - November 2008 SOS Global Express, Inc. New Bern, North Carolina ● Accounts Payable Specialist ■ Processing and remittance of agent and ocean line invoices ■ Post manually cut checks and ACH payments ■ Research outstanding and recurring invoices and submit to proper department for resolution ■ Pull data and/or correspondence as requested ■ Submit W-9 requests for new agents as needed ■ Maintain agent files and relations ■ Answer and direct incoming phone calls as required ● Accounts Receivable Assistant ■ Applied Deposits against open A/R ■ Preparation, submission, and follow-up of New Client references ■ Cost Analysis and Comparison of client charges before Billing ■ Input Billing information for invoicing Receptionist/Data Entry Clerk/Accounts Payable Clerk (temp position) August 2006-February 2007 Southeast Service and Supply, Inc. Dacula, Georgia ■ Greeted vendors, customers and other visitors; Answered and directed incoming phone calls to appropriate personnel; Ability to take accurate phone messages and deliver messages promptly ■ Retrieved data or correspondence from files as requested within appropriate time frame ■ Responsible for compiling and preparing invoices and recording purchase order transactions ■ Maintained parts inventory files; Matched vendor invoices with payments; Keyed in data ■ Preparation, submission and follow-up of credit reference request ■ Assisted in maintaining and ordering of basic office supplies as needed Accounts Payable Clerk/Copy Center & Supply Clerk/Assistant to CFO April 2005-July 2006 EQUIP, Inc. Duluth, Georgia ■ Full charge processing of all accounts payable and expense reimbursements ■ Ensured timely payments of vendor invoices; Established and maintained vendor files and relations ■ Prepared and transmitted international and domestic funds wires to corporate personnel ■ Maintained inventory and ordered office supplies; Re-organized copy center inventory system ■ Responsible for screening calls, filing, recording, maintaining records, copying confidential financial documents, posting and other financial duties as requested by the Chief Financial Officer ■ Covered phones for receptionist during breaks, lunch hour, and vacations
No matter what your financial situation is, always be thankful for your health and life and that of your family. We faced similar financial hardships after we had two newborns spend over a month in the hospital in the NICU two years ago. Recently, I was hospitalized twice for illnesses, once for two weeks in the ICU and once for a short, $10k trip to the ER. All of this has happened while we've had only one income, and a teacher's income at that. At this point, we are so thankful that we are all healthy and alive that we don't stress over the finances. We also set ourselves up well years ago. We saved to buy both of our vehicles with cash, so we have no car payment. We also have a very modest house payment, even though at one point, we could have afforded more. We keep a minimum amount in our savings account for emergencies and never let it dip below that amount. This plan has served us well in times like this. When I was sick and when my babies were in the hospital, I always reminded myself that it could be much worse. As long as we have each other, we will be happy. If that means we have to sell everything we own and start over just to make ends meet, then so be it. Thankfully, we have not had to do anything like that, but I have known people who did and who survived. My advice is to think outside of the box when it comes to ways to make money. Some money is better than no money, which might mean that your wife takes a job she's not thrilled with or you sell things you really don't want to part with. And lastly, try to focus on the positive things you've got going like your health and the love of your family. You will get through this!
